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First Federal Bank of Kansas City

Lees Summit, MO · Cert 29047 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Cosperity Bcorp Inc.

SI · FDIC · 9 branches

Q2 2026

$992.5MAssets
$770.7MLoans
$693.8MDeposits
$106.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 60% of banks under $1B in assets in the Kansas City, MO-KS area (rank 16 of 40).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 40).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.41%

Rank 37 of 40

Net Interest Margin

2.51%

Rank 39 of 40

Efficiency Ratio

84.28%

Rank 37 of 40

Equity / Assets

10.75%

Rank 16 of 40

Non-interest income vs. expense

$6.1M$26.0MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 10% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 84.28%Peer median 58.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.41%1.02%1.39%1.86%Beats 8%37 / 40
Return on Equity3.78%10.74%14.78%21.32%Beats 8%37 / 40
Net Interest Margin2.51%3.33%4.05%4.63%Beats 3%39 / 40
Efficiency Ratio84.28%51.70%58.10%69.29%Beats 10%37 / 40
Asset Quality
Nonperforming Loans / Loans0.45%0.05%0.20%1.11%Beats 41%24 / 39
Net Charge-Offs / Loans0.21%n/a0.00%0.05%Beats 15%34 / 39
Capital
Tier 1 Capital Ratio11.32%11.32%12.27%16.94%Beats 25%30 / 40
Total Risk-Based Capital Ratio11.32%11.32%13.09%17.63%Beats 25%30 / 40
Equity / Assets10.75%8.41%10.10%12.34%Beats 60%16 / 40
Liquidity & Funding
Loans / Deposits111.08%73.50%85.60%94.85%90th pctl4 / 40
Loans / Assets77.65%62.75%69.87%79.23%65th pctl14 / 40
Brokered Deposits / Depositsn/aNot reported for this institution